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There are&nbsp;<a href="https://web.archive.org/web/20211123220236/https://forms.federalreserveconsumerhelp.gov/secure/complaint/complaintType">tips to&nbsp;help you </a>file a complaint:</p><ul><li>Contact the branch manager,&nbsp;the customer service hotline, or the institution&#39;s website.</li><li><a href="https://web.archive.org/web/20211123220236/https://www.usa.gov/complaint-letter">Use this sample complaint letter</a> to explain your problem and how you want the bank to fix it.</li><li>Provide copies of receipts, checks, or other proof of the transaction.</li></ul><p>If the bank doesn&#39;t help, get help from the correct regulatory agency.</p><h3>Complaints About Deposit Accounts</h3><p><a href="https://web.archive.org/web/20211123220236/https://www.ffiec.gov/consumercenter/default.aspx">Find out which agency</a> accepts complaints about your financial institution.&nbsp;</p><ul><li>Contact the <a href="https://web.archive.org/web/20211123220236/https://www.helpwithmybank.gov/file-a-complaint/index-file-a-complaint.html">Office of the Comptroller of the Currency</a> for&nbsp;complaints about<ul><li>a national bank (has National in its name, or N.A at the end)</li><li>federal savings and loans</li><li>federal savings banks.</li></ul></li><li>For a problem with a state-chartered bank and trust company, contact either<ul><li>the <a href="https://web.archive.org/web/20211123220236/https://www.fdic.gov/consumers/assistance/filecomplaint.html">Federal Deposit Insurance Corporation</a> or</li><li>your&nbsp;<a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/ask-cfpb/how-do-i-find-my-states-bank-regulator-en-1637/">state banking authority</a>.</li></ul></li><li>Complain about a federally chartered credit union&nbsp;with the <a href="https://web.archive.org/web/20211123220236/https://www.mycreditunion.gov/consumer-assistance-center/complaint-process">National Credit Union Administration</a>.</li><li>For a problem with a state-chartered bank that is a member of the Federal Reserve System, contact the <a href="https://web.archive.org/web/20211123220236/https://federalreserveconsumerhelp.gov/about/consumer-complaint.cfm">Federal Reserve System</a>.</li></ul><h3>Complaints About Other Financial Services</h3><p>Other agencies handle complaints about other financial products:</p><ul><li>Complain to the <a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/complaint/">Consumer Financial Protection&nbsp;Bureau</a>&nbsp;(CFPB) about:<ul><li>credit reports</li><li>debt collection</li><li>loans</li><li>money transfers</li><li>mortgages&nbsp;&nbsp;</li><li>virtual currency</li></ul></li><li>Complain about investments with the <a href="https://web.archive.org/web/20211123220236/https://www.sec.gov/complaint/select.shtml">Securities and Exchange Commission</a>&nbsp;or your <a href="https://web.archive.org/web/20211123220236/https://www.nasaa.org/contact-your-regulator/">state&#39;s securities regulator</a>.</li></ul>" } }, { "@type": "Question", "name": "Complaints About Mortgage Companies", "acceptedAnswer": { "@type": "Answer", "text": "<p>If you have a complaint against a mortgage company, try to resolve it with the company first. Several government agencies accept complaints about mortgage lenders. In some cases, you should file your complaint with more than one agency, especially at the federal and state level.</p><h3>Report a Mortgage Company for Discrimination&nbsp;</h3><p>The Consumer Financial Protection Bureau (CFPB) enforces the <a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/fair-lending/">Equal Credit Opportunity Act</a>. This law prohibits lenders from denying credit because of certain characteristics. <a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/complaint/">File a complaint with the CFPB</a> if a lender has denied a mortgage application because of your:</p><ul><li>Age</li><li>Sex (including gender)</li><li>Marital status</li><li>Children</li><li>Race</li><li>Nationality or ethnicity</li><li>Religion</li><li>Income from public assistance programs</li></ul><p>&nbsp;</p><p>The Department of Housing and Urban Development (HUD) enforces the <a href="https://web.archive.org/web/20211123220236/https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_lending">Fair Housing Act</a>. This law prohibits discrimination when you rent, buy, or secure financing for a home. Your state may also have a similar law. <a href="https://web.archive.org/web/20211123220236/https://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint">File a complaint with HUD</a> and the fair housing office in your state if a mortgage company discriminated against you because of your:</p><ul><li>Race</li><li>Color</li><li>National origin</li><li>Religion</li><li>Sex</li><li>Disability</li><li>Presence of children</li></ul><p>&nbsp;</p><h3>File a Complaint About Mortgage Company Services</h3><p><a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/rules-policy/final-rules/code-federal-regulations/">The CFPB enforces several laws</a>, such as the <a href="https://web.archive.org/web/20211123220236/https://www.ftc.gov/enforcement/statutes/truth-lending-act">Truth in Lending Act</a> and the <a href="https://web.archive.org/web/20211123220236/https://www.hud.gov/hudprograms/respa">Real Estate Settlement Procedures Act</a>. These laws require lenders to disclose information to homebuyers before buying and over the life of the mortgage. <a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/complaint/">File a complaint with the CFPB</a> if you have a problem with a new or existing mortgage. Examples of common mortgage complaints include:</p><ul><li>Applying for a mortgage</li><li>Receiving loan estimates and closing documents</li><li>Transferring a mortgage to another servicer</li><li>Applying your payments correctly</li><li>Refinancing or modifying a mortgage loan</li><li>Misreporting mortgage account status to you or to credit reporting agencies</li><li>Requiring private mortgage insurance</li><li>Paying additional fees</li></ul><p>&nbsp;</p><h3>Report Deceptive Mortgage Practices and Scams</h3><p><a href="https://web.archive.org/web/20211123220236/https://www.ftc.gov/about-ftc/what-we-do/enforcement-authority">The Federal Trade Commission Act</a> is the primary statute of the Federal Trade Commission (FTC). It states that unfair and deceptive practices affecting commerce are unlawful. <a href="https://web.archive.org/web/20211123220236/https://reportfraud.ftc.gov/#/">Report a mortgage company to the FTC</a> if it makes deceptive statements, omits important facts, or takes misleading actions. Examples include:&nbsp;</p><ul><li>False statements about their ability to offer a loan</li><li>Fees for mortgage services that aren&rsquo;t provided</li><li><a href="https://web.archive.org/web/20211123220236/https://www.consumer.ftc.gov/articles/debt-collection-faqs">Illegal tactics</a> to collect on mortgage balances</li></ul><p>Also, <a href="https://web.archive.org/web/20211123220236/https://www.usa.gov/state-consumer">file a complaint with your state consumer protection office</a> about a mortgage fraud or scam. Call the <a href="https://web.archive.org/web/20211123220236/https://995hope.org/">HOPE Hotline</a> at <a href="tel:18889954673">1-888-995-HOPE</a> (1-888-995-4673).</p>" } } ] } </script><script type="text/javascript" src="/web/20211123220236js_/https://www.usa.gov/js/accordion-from-content.js"></script> <script type="text/javascript"> $(document).ready(function(){ accordionify({id: "item-35522"}); accordionify({id: "item-36622"}); }); </script><script type="application/ld+json"> { "@context": "https://web.archive.org/web/20211123220236/https://schema.org", "@type": "Organization", "url": "https://web.archive.org/web/20211123220236/https://www.usa.gov/", "logo": "https://web.archive.org/web/20211123220236/https://app-usa-modeast-prod-a01239f.s3.amazonaws.com/Logo_USAGov.png" } </script> <script type="text/javascript" src="/web/20211123220236js_/https://www.usa.gov/js/respond.js"></script> <script type="text/javascript" src="/web/20211123220236js_/https://www.usa.gov/js/platform.js"></script> <script type="text/javascript" src="/web/20211123220236js_/https://www.usa.gov/js/menu.js"></script> <script type="text/javascript" src="/web/20211123220236js_/https://www.usa.gov/js/standardsModifications.js"></script> <script type="text/javascript" src="/web/20211123220236js_/https://www.usa.gov/js/modal.js"></script> <script type="text/javascript" src="/web/20211123220236js_/https://www.usa.gov/js/states.js"></script> <script type="text/javascript" src="/web/20211123220236js_/https://www.usa.gov/js/homepage.js"></script> <script type="text/javascript" src="/web/20211123220236js_/https://www.usa.gov/js/uswds.js"></script>  </head> <body>  <noscript><iframe role="application" src="https://web.archive.org/web/20211123220236if_/https://www.googletagmanager.com/ns.html?id=GTM-KV4BZFD" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <noscript> <div style="background-color:#c61f0c; color:#fff; margin:0; padding-left:1.3rem; width:100%; padding-top:.5%; min-height:7rem;"> <span role="img" style="display:inline-block; padding-top:.2%; padding-bottom:.2%; padding-left:4.5rem; padding-right:5rem; background-image:url(/web/20211123220236im_/https://www.usa.gov/images/Icon_Alert.png); background-repeat:no-repeat; background-size:1.4em; background-position:1% 42%; line-height:20px; font-size:medium;"> <p>Please enable JavaScript in your web browser; otherwise some parts of this site might not work properly.</p> </span> </div> </noscript><a class="usa-skipnav" href="#content" onclick="document.getElementById('content').focus();" onfocus="dataLayer.push({'event' : 'skipNavOpened'});">Skip to main content </a> <header aria-labelledby="bner" role="banner" class="usa-header usa-header-extended" data-stickyheight="22"> <div class="usa-banner"> <div class="usa-accordion"> <div class="usa-banner-header"> <div id="bner" class="usa-grid usa-banner-inner"> <img src="/web/20211123220236im_/https://www.usa.gov/images/favicon-57.png" alt="U.S. flag"> <p>An official website of the United States government </p> <button class="usa-accordion-button usa-banner-button" aria-expanded="false" aria-controls="gov-banner"> <span class="usa-banner-button-text">Here's how you know </span> </button> </div> </div> <div class="usa-banner-content usa-grid usa-accordion-content" id="gov-banner"> <div class="usa-banner-guidance-gov usa-width-one-half"> <img class="usa-banner-icon usa-media_block-img" src="/web/20211123220236im_/https://www.usa.gov/images/icon-dot-gov.svg" alt="Dot gov"> <div class="usa-media_block-body"> <p> <strong>Official websites use .gov</strong> <br> A <strong>.gov</strong> website belongs to an official government organization in the United States. </p> </div> </div> <div class="usa-banner-guidance-ssl usa-width-one-half"> <img class="usa-banner-icon usa-media_block-img" src="/web/20211123220236im_/https://www.usa.gov/images/icon-https.svg" alt="SSL"> <div class="usa-media_block-body"> <p> <strong>Secure .gov websites use HTTPS</strong> <br> A <strong>lock</strong> ( <span class="icon-lock"> <svg xmlns="http://www.w3.org/2000/svg" width="52" height="64" viewbox="0 0 52 64" class="usa-banner__lock-image" role="img" aria-labelledby="banner-lock-title-default banner-lock-description-default"> <title id="banner-lock-title-default">Lock</title> <desc id="banner-lock-description-default">A locked padlock</desc> <path fill="#000000" fill-rule="evenodd" d="M26 0c10.493 0 19 8.507 19 19v9h3a4 4 0 0 1 4 4v28a4 4 0 0 1-4 4H4a4 4 0 0 1-4-4V32a4 4 0 0 1 4-4h3v-9C7 8.507 15.507 0 26 0zm0 8c-5.979 0-10.843 4.77-10.996 10.712L15 19v9h22v-9c0-6.075-4.925-11-11-11z"></path> </svg> </span> ) or https:// means you鈥檝e safely connected to the .gov website. 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href="/web/20211123220236/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li class="expanded"> <a href="/web/20211123220236/https://www.usa.gov/complaints-by-product">Consumer Complaints by Product Type</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/crime-prison" href="#">Crime and Prisons</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/crimes-against-children">Crimes Involving Children</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/prisons">Prisons and Prisoners</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/report-crime">Reporting Crime</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/corrections">State Corrections Departments</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws-and-regs" href="#">Federal Laws and Regulations</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/laws-and-regulations">Commonly Requested U.S. Laws and Regulations</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/how-laws-are-made">How Laws Are Made and How to Research Them</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/pollution">Pollution Issues</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/labor-laws">Labor Laws and Issues</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/family" href="#">Personal Legal Issues, Documents, and Family History</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/child-care">Child Support</a> </li> <li class="expanded"> <a href="/web/20211123220236/https://www.usa.gov/complaints">Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/family-legal">Family Legal Issues</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/genealogy">Genealogy and Family History</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/legal-aid">Lawyers and Legal Advice</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/replace-vital-documents">Replace Your Vital Records</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/scams-and-frauds" href="#">Scams and Frauds</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/common-scams-frauds">Common Scams and Frauds</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/identity-theft">Identity Theft</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/online-safety">Online Safety</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/privacy">Privacy</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/stop-scams-frauds">Report Scams and Frauds</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/government-works">U.S. Government Works</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/voting-laws-history" href="#">Voting and Election Laws and History</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/election-results">Historical Election Results</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/voter-id">Voter ID Requirements</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/voting-laws">Voting and Election Laws</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/who-can-vote">Who Can and Can鈥檛 Vote in U.S. Elections</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/disability-rights">Your Legal Disability Rights</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/life-in-the-us">Learn About Life in the U.S.</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/presidents">Presidents, Vice Presidents, and First Ladies</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/benefits-grants-loans" href="#">Benefits, Grants, Loans</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/benefits">Benefits</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/food-help">Food Assistance</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/grants">Grants and Loans</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/help-with-bills">Help with Bills</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/retirement">Retirement</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/about-social-security">Social Security Questions</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-social-services">State Social Service Agencies</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class="open has-open-item"> <a aria-describedby="sr-previous" aria-expanded="false" data-href="/consumer" href="#" data-critical-path="true">Consumer Issues</a> <ul> <li class="open has-open-item"> <a aria-describedby="sr-previous" aria-expanded="false" data-href="/complaints" href="#" data-critical-path="true">Complaints</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li class="open expanded"> <a aria-describedby="sr-expanded" data-href="/complaints-by-product" href="/web/20211123220236/https://www.usa.gov/complaints-by-product" data-critical-path="true">Consumer Complaints by Product Type</a> <ul> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Banks and Lender Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/car-complaints">Car Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-complaints">Housing-Related Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/phone-tv-complaints">Phone and TV Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/travel-complaint">Travel Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/money" href="#">Money and Taxes</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/benefits-grants-loans" href="#">Benefits, Grants, Loans</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/benefits">Benefits</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/food-help">Food Assistance</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/grants">Grants and Loans</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/help-with-bills">Help with Bills</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/retirement">Retirement</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/about-social-security">Social Security Questions</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-social-services">State Social Service Agencies</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/credit-and-debt" href="#">Credit and Debt</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/credit">Credit Issues</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/credit-reports">Credit Reports and Scores</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/debt">Dealing with Debt</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/currency">Currency</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/housing" href="#">Housing</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/foreclosure">Foreclosure</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/buying-home">Help Buying a Home</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-help-audiences">Housing Help</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-complaints">Housing-Related Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/mortgages">Mortgages</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/moving">Moving</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/repairing-home">Repairing and Improving a Home</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/retirement">Retirement</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/spend-save-invest" href="#">Spending, Saving and Investing</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/cars">Car Complaints and Motor Vehicle Services</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/donate-to-charity">Donating to Charity</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/mortgages">Mortgages</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/retirement">Retirement</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/taxes" href="#">Taxes</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/covid-stimulus-checks">Advance Child Tax Credit and Economic Impact Payments - Stimulus Checks</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/filing-taxes-topics">Filing Your Taxes</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/resolve-tax-disputes">Resolve Tax Disputes</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/business-taxes">Small Business Taxes</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-taxes">State and Local Taxes</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/check-tax-status">Tax Return Status</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/check-tax-withholding">Tax Withholding</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/unclaimed-money">Unclaimed Money from the Government</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/recalls">Recalled Products</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/scams-and-frauds" href="#">Scams and Frauds</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/common-scams-frauds">Common Scams and Frauds</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/identity-theft">Identity Theft</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/online-safety">Online Safety</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/privacy">Privacy</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/stop-scams-frauds">Report Scams and Frauds</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-consumer">State Consumer Protection Offices</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/telemarketing">Telemarketing and Unwanted Mail</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/coronavirus" href="#">COVID-19</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/covid-stimulus-checks">Advance Child Tax Credit and Economic Impact Payments - Stimulus Checks</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/covid-vaccine-and-testing">COVID-19 Health Information, Vaccines, and Testing</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/covid-small-business-loans">COVID-19 Small Business Loans and Assistance</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/covid-unemployment-benefits">COVID-19 Unemployment Benefits</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/covid-financial-help-from-the-government">Financial Assistance for Food, Housing, and Bills</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/federal-covid-response">Government Response to Coronavirus, COVID-19</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/covid-passports-and-travel">Passports and Travel During the COVID-19 Pandemic</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/covid-scams">Scams Related to COVID-19</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/disability-services" href="#">Disability Services</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/disability-benefits-insurance">Benefits and Insurance</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/disability-caregiver">Caregiver Support</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/disability-financial-support">Financial Assistance and Support Services</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/disability-programs">Government and Local Disability Programs</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/disability-jobs-education">Jobs and Education</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/disability-veterans-benefits">Veterans Disability Benefits</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/disability-rights">Your Legal Disability Rights</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/disasters-and-emergencies" href="#">Disasters and Emergencies</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/after-disaster">After a Disaster</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/disaster-financial-help" href="#">Disaster Financial Assistance</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/disaster-help-workers-businesses">Disaster Financial Assistance for Workers and Small Business Owners</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/disaster-help-food-housing-bills">Disaster Financial Assistance with Food, Housing, and Bills</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/disaster-area-help">Financial Assistance Within Designated Natural Disaster Areas</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/help-disaster-survivors">Help Survivors of a Disaster</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-emergency-management">State Emergency Management Agencies</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/education" href="#">Education</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/higher-education">College and Higher Education</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/study-in-US">Learn English and Attend College in the U.S.</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/libraries">Libraries and Archives</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/student-loans">Manage and Repay Student Loans</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/agencies" href="#">Government Agencies and Elected Officials</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/federal-agencies">A-Z Index of U.S. Government Agencies</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/about-the-us" href="#">About the U.S.</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/flag">American Flag</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/budget">Budget of the U.S. Government</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/statistics">Data and Statistics About the U.S.</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/history">History and Historical Documents</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws" href="#">Laws and Legal Issues</a> <ul> <li class="expanded"> <a href="/web/20211123220236/https://www.usa.gov/complaints">Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/crime-prison">Crime and Prisons</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/laws-and-regs">Federal Laws and Regulations</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/labor-laws">Labor Laws and Issues</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/family">Personal Legal Issues, Documents, and Family History</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/scams-and-frauds">Scams and Frauds</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/government-works">U.S. Government Works</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/voting-laws-history">Voting and Election Laws and History</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/disability-rights">Your Legal Disability Rights</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/life-in-the-us">Learn About Life in the U.S.</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/presidents">Presidents, Vice Presidents, and First Ladies</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/budget">Budget of the U.S. Government</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/buy-from-government" href="#">Buying from the U.S. Government</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/auctions-and-sales">Auctions and Sales</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-surplus-sales">Surplus Sales by State</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/elected-officials">Contact Elected Officials</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/forms">Forms, by Agency</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/state-tribal-governments" href="#">State, Local, and Tribal Governments</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/elected-officials">Contact Elected Officials</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-governor">Governors</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/tribes">Indian Tribes and Resources for Native Americans</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/local-governments">Local Governments</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-attorney-general">State Attorneys General</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-consumer">State Consumer Protection Offices</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-emergency-management">State Emergency Management Agencies</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/states-and-territories">State Governments</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-health">State Health Departments</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-courts">State, County, and Municipal Courts</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-travel-and-tourism">Travel and Tourism Information, by State</a> </li> </ul> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/health" href="#">Health</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/doctors">Doctors and Medical Facilities</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/health-resources">Health Information from the Government</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/health-insurance" href="#">Health Insurance</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/finding-health-insurance">Finding Health Insurance</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/medicaid">Medicaid and CHIP</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/medicare">Medicare</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/paying-for-medical">Paying for Medical Care</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/medicine">Medications</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/mental-health-substance-abuse">Mental Health and Substance Abuse</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-health">State Health Departments</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/vaccinations">Vaccines and Immunizations</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/housing" href="#">Housing</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/foreclosure">Foreclosure</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/buying-home">Help Buying a Home</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-help-audiences">Housing Help</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-complaints">Housing-Related Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/mortgages">Mortgages</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/moving">Moving</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/repairing-home">Repairing and Improving a Home</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/jobs-and-unemployment" href="#">Jobs and Unemployment</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/labor-laws">Labor Laws and Issues</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/job-search" href="#">Looking for a New Job</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/government-jobs">Find a Federal Government Job</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/find-a-job">Find a Job</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/retirement">Retirement</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/business" href="#">Small Business</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/business-search">Business Keyword Search</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/funding-options">Finance Your Business</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/import-export">Importing and Exporting</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/government-contracting-for-beginners" href="#">Introduction to Government Contracting</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/expand-business">Get Help with Government Contracting</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/find-government-contracts">The Contract Opportunities Search Tool on beta.SAM.gov</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/business-taxes">Small Business Taxes</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/start-business">Start Your Own Business</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-business">State Business Resources</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/federal-employees" href="#">U.S. Government Employees</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/government-jobs">Find a Federal Government Job</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/benefits-for-federal-employees">Pay and Benefits for Federal Employees</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/safer-federal-workforce">Protecting the Federal Workforce from COVID-19</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class="has-open-item"> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws" href="#">Laws and Legal Issues</a> <ul> <li class="open has-open-item"> <a aria-describedby="sr-previous" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li class="open expanded"> <a aria-describedby="sr-expanded" data-href="/complaints-by-product" href="/web/20211123220236/https://www.usa.gov/complaints-by-product">Consumer Complaints by Product Type</a> <ul> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Banks and Lender Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/car-complaints">Car Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-complaints">Housing-Related Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/phone-tv-complaints">Phone and TV Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/travel-complaint">Travel Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/crime-prison" href="#">Crime and Prisons</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/crimes-against-children">Crimes Involving Children</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/prisons">Prisons and Prisoners</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/report-crime">Reporting Crime</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/corrections">State Corrections Departments</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws-and-regs" href="#">Federal Laws and Regulations</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/laws-and-regulations">Commonly Requested U.S. Laws and Regulations</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/how-laws-are-made">How Laws Are Made and How to Research Them</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/pollution">Pollution Issues</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/labor-laws">Labor Laws and Issues</a> </li> <li class="has-open-item"> <a aria-describedby="sr-next" aria-expanded="false" data-href="/family" href="#">Personal Legal Issues, Documents, and Family History</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/child-care">Child Support</a> </li> <li class="open"> <a aria-describedby="sr-previous" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li class="expanded"> <a href="/web/20211123220236/https://www.usa.gov/complaints-by-product">Consumer Complaints by Product Type</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/family-legal">Family Legal Issues</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/genealogy">Genealogy and Family History</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/legal-aid">Lawyers and Legal Advice</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/replace-vital-documents">Replace Your Vital Records</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/scams-and-frauds" href="#">Scams and Frauds</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/common-scams-frauds">Common Scams and Frauds</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/identity-theft">Identity Theft</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/online-safety">Online Safety</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/privacy">Privacy</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/stop-scams-frauds">Report Scams and Frauds</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/government-works">U.S. Government Works</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/voting-laws-history" href="#">Voting and Election Laws and History</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/election-results">Historical Election Results</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/voter-id">Voter ID Requirements</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/voting-laws">Voting and Election Laws</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/who-can-vote">Who Can and Can鈥檛 Vote in U.S. Elections</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/disability-rights">Your Legal Disability Rights</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/military-and-veterans" href="#">Military and Veterans</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/join-military">Join the Military</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/military-personnel-and-installations">Locate Military Members, Units, and Facilities</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/education-military-veterans">Military and Veterans Education Benefits</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/military-pay">Military Pay and Pensions</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/military-records">Military Records and Identification</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/selective-service">Selective Service (the Draft)</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/veteran-burial-benefits">Veterans Burial and Survivor Benefits</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/veteran-health">Veterans Health Benefits and Issues</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/veteran-housing">Veterans Housing Help</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/veteran-employment">Veterans Jobs and Training</a> </li> </ul> </li> <li class="has-open-item"> <a aria-describedby="sr-next" aria-expanded="false" data-href="/money" href="#">Money and Taxes</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/benefits-grants-loans" href="#">Benefits, Grants, Loans</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/benefits">Benefits</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/food-help">Food Assistance</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/grants">Grants and Loans</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/help-with-bills">Help with Bills</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/retirement">Retirement</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/about-social-security">Social Security Questions</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-social-services">State Social Service Agencies</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class="open has-open-item"> <a aria-describedby="sr-previous" aria-expanded="false" data-href="/consumer" href="#">Consumer Issues</a> <ul> <li class="open"> <a aria-describedby="sr-previous" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li class="expanded"> <a href="/web/20211123220236/https://www.usa.gov/complaints-by-product">Consumer Complaints by Product Type</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/recalls">Recalled Products</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/scams-and-frauds" href="#">Scams and Frauds</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/common-scams-frauds">Common Scams and Frauds</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/identity-theft">Identity Theft</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/online-safety">Online Safety</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/privacy">Privacy</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/stop-scams-frauds">Report Scams and Frauds</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/state-consumer">State Consumer Protection Offices</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/telemarketing">Telemarketing and Unwanted Mail</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/credit-and-debt" href="#">Credit and Debt</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/credit">Credit Issues</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/credit-reports">Credit Reports and Scores</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/debt">Dealing with Debt</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/currency">Currency</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/housing" href="#">Housing</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/foreclosure">Foreclosure</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/buying-home">Help Buying a Home</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-help-audiences">Housing Help</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-complaints">Housing-Related Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/mortgages">Mortgages</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/moving">Moving</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/repairing-home">Repairing and Improving a Home</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/retirement">Retirement</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/spend-save-invest" href="#">Spending, Saving and Investing</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/cars" href="#">Car Complaints and Motor Vehicle Services</a> <ul> <li> <a href="/web/20211123220236/https://www.usa.gov/car-complaints">Car Complaints</a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/motor-vehicle-services">Motor Vehicle Services</a> </li> </ul> 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class="container clearfix"><nav aria-label="Consumer Complaints by Product Type - leftnav" class="col-md-3 leftnav"> <div aria-label="Complaints About Banks and Lenders"> <div class="shade"> <header> <h2> <a href="/web/20211123220236/https://www.usa.gov/complaints-by-product" class="url"> <span>Consumer Complaints by Product Type</span> </a> </h2> </header> <ul> <li class="slctd"> <a> <span>Banks and Lender Complaints</span> </a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/car-complaints" class="url"> <span>Car Complaints</span> </a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/housing-complaints" class="url"> <span>Housing-Related Complaints</span> </a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/phone-tv-complaints" class="url"> <span>Phone and TV Complaints</span> </a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/travel-complaint" class="url"> <span>Travel Complaints</span> </a> </li> <li> <a href="/web/20211123220236/https://www.usa.gov/post-office" class="url"> <span>U.S. Postal Service Issues</span> </a> </li></ul> </div> </div> </nav>  <div class="col-md-9 col-sm-12 rightnav"> <header> <h1 id="page-title">Complaints About Banks and Lenders</h1> <p>Learn how to complain about a problem with a bank or a lending company, such as a mortgage provider.</p> </header> <div class="wotp"> <header> <h2>On This Page</h2> </header> <div class="clearfix"> <ul> <li> <a href="#item-35522" onclick="document.getElementById('item-35522').focus();">Bank and Credit Product Complaints </a> </li> <li> <a href="#item-36622" onclick="document.getElementById('item-36622').focus();">Complaints About Mortgage Companies </a> </li> </ul> </div> </div> <article role="complementary" aria-labelledby="item-35522"> <header> <h2 id="item-35522">Bank and Credit Product Complaints</h2> </header><p>Report problems with your bank, financial institution, lender, or broker. There are <a href="https://web.archive.org/web/20211123220236/https://forms.federalreserveconsumerhelp.gov/secure/complaint/complaintType">tips to help you </a>file a complaint:</p><ul><li>Contact the branch manager, the customer service hotline, or the institution's website.</li><li><a href="https://web.archive.org/web/20211123220236/https://www.usa.gov/complaint-letter">Use this sample complaint letter</a> to explain your problem and how you want the bank to fix it.</li><li>Provide copies of receipts, checks, or other proof of the transaction.</li></ul><p>If the bank doesn't help, get help from the correct regulatory agency.</p><h3>Complaints About Deposit Accounts</h3><p><a href="https://web.archive.org/web/20211123220236/https://www.ffiec.gov/consumercenter/default.aspx">Find out which agency</a> accepts complaints about your financial institution. </p><ul><li>Contact the <a href="https://web.archive.org/web/20211123220236/https://www.helpwithmybank.gov/file-a-complaint/index-file-a-complaint.html">Office of the Comptroller of the Currency</a> for complaints about<ul><li>a national bank (has National in its name, or N.A at the end)</li><li>federal savings and loans</li><li>federal savings banks.</li></ul></li><li>For a problem with a state-chartered bank and trust company, contact either<ul><li>the <a href="https://web.archive.org/web/20211123220236/https://www.fdic.gov/consumers/assistance/filecomplaint.html">Federal Deposit Insurance Corporation</a> or</li><li>your <a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/ask-cfpb/how-do-i-find-my-states-bank-regulator-en-1637/">state banking authority</a>.</li></ul></li><li>Complain about a federally chartered credit union with the <a href="https://web.archive.org/web/20211123220236/https://www.mycreditunion.gov/consumer-assistance-center/complaint-process">National Credit Union Administration</a>.</li><li>For a problem with a state-chartered bank that is a member of the Federal Reserve System, contact the <a href="https://web.archive.org/web/20211123220236/https://federalreserveconsumerhelp.gov/about/consumer-complaint.cfm">Federal Reserve System</a>.</li></ul><h3>Complaints About Other Financial Services</h3><p>Other agencies handle complaints about other financial products:</p><ul><li>Complain to the <a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/complaint/">Consumer Financial Protection Bureau</a> (CFPB) about:<ul><li>credit reports</li><li>debt collection</li><li>loans</li><li>money transfers</li><li>mortgages  </li><li>virtual currency</li></ul></li><li>Complain about investments with the <a href="https://web.archive.org/web/20211123220236/https://www.sec.gov/complaint/select.shtml">Securities and Exchange Commission</a> or your <a href="https://web.archive.org/web/20211123220236/https://www.nasaa.org/contact-your-regulator/">state's securities regulator</a>.</li></ul> </article> <article role="complementary" aria-labelledby="item-36622"> <header> <h2 id="item-36622">Complaints About Mortgage Companies</h2> </header><p>If you have a complaint against a mortgage company, try to resolve it with the company first. Several government agencies accept complaints about mortgage lenders. In some cases, you should file your complaint with more than one agency, especially at the federal and state level.</p><h3>Report a Mortgage Company for Discrimination </h3><p>The Consumer Financial Protection Bureau (CFPB) enforces the <a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/fair-lending/">Equal Credit Opportunity Act</a>. This law prohibits lenders from denying credit because of certain characteristics. <a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/complaint/">File a complaint with the CFPB</a> if a lender has denied a mortgage application because of your:</p><ul><li>Age</li><li>Sex (including gender)</li><li>Marital status</li><li>Children</li><li>Race</li><li>Nationality or ethnicity</li><li>Religion</li><li>Income from public assistance programs</li></ul><p> </p><p>The Department of Housing and Urban Development (HUD) enforces the <a href="https://web.archive.org/web/20211123220236/https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_lending">Fair Housing Act</a>. This law prohibits discrimination when you rent, buy, or secure financing for a home. Your state may also have a similar law. <a href="https://web.archive.org/web/20211123220236/https://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint">File a complaint with HUD</a> and the fair housing office in your state if a mortgage company discriminated against you because of your:</p><ul><li>Race</li><li>Color</li><li>National origin</li><li>Religion</li><li>Sex</li><li>Disability</li><li>Presence of children</li></ul><p> </p><h3>File a Complaint About Mortgage Company Services</h3><p><a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/rules-policy/final-rules/code-federal-regulations/">The CFPB enforces several laws</a>, such as the <a href="https://web.archive.org/web/20211123220236/https://www.ftc.gov/enforcement/statutes/truth-lending-act">Truth in Lending Act</a> and the <a href="https://web.archive.org/web/20211123220236/https://www.hud.gov/hudprograms/respa">Real Estate Settlement Procedures Act</a>. These laws require lenders to disclose information to homebuyers before buying and over the life of the mortgage. <a href="https://web.archive.org/web/20211123220236/https://www.consumerfinance.gov/complaint/">File a complaint with the CFPB</a> if you have a problem with a new or existing mortgage. Examples of common mortgage complaints include:</p><ul><li>Applying for a mortgage</li><li>Receiving loan estimates and closing documents</li><li>Transferring a mortgage to another servicer</li><li>Applying your payments correctly</li><li>Refinancing or modifying a mortgage loan</li><li>Misreporting mortgage account status to you or to credit reporting agencies</li><li>Requiring private mortgage insurance</li><li>Paying additional fees</li></ul><p> </p><h3>Report Deceptive Mortgage Practices and Scams</h3><p><a href="https://web.archive.org/web/20211123220236/https://www.ftc.gov/about-ftc/what-we-do/enforcement-authority">The Federal Trade Commission Act</a> is the primary statute of the Federal Trade Commission (FTC). It states that unfair and deceptive practices affecting commerce are unlawful. <a href="https://web.archive.org/web/20211123220236/https://reportfraud.ftc.gov/#/">Report a mortgage company to the FTC</a> if it makes deceptive statements, omits important facts, or takes misleading actions. Examples include: </p><ul><li>False statements about their ability to offer a loan</li><li>Fees for mortgage services that aren’t provided</li><li><a href="https://web.archive.org/web/20211123220236/https://www.consumer.ftc.gov/articles/debt-collection-faqs">Illegal tactics</a> to collect on mortgage balances</li></ul><p>Also, <a href="https://web.archive.org/web/20211123220236/https://www.usa.gov/state-consumer">file a complaint with your state consumer protection office</a> about a mortgage fraud or scam. Call the <a href="https://web.archive.org/web/20211123220236/https://995hope.org/">HOPE Hotline</a> at <a href="tel:18889954673">1-888-995-HOPE</a> (1-888-995-4673).</p> </article> <div id="sm-share"><span id="share-page">Share This Page:</span> <div> <a id="fcb" href="https://web.archive.org/web/20211123220236/https://www.facebook.com/sharer/sharer.php?u=https://www.usa.gov/complaints-lender&v=3" aria-labelledby="fcb share-page"> <img src="/web/20211123220236im_/https://www.usa.gov/images/Icon_Connect_Facebook.png" alt="Facebook"/> </a> <a id="twr" href="https://web.archive.org/web/20211123220236/https://twitter.com/intent/tweet?source=webclient&text=Complaints About Banks and Lendershttps://www.usa.gov/complaints-lender" aria-labelledby="twr share-page"> <img src="/web/20211123220236im_/https://www.usa.gov/images/Icon_Connect_Twitter.png" alt="Twitter"/> </a> <a id="em" href="https://web.archive.org/web/20211123220236/mailto:/?subject=Complaints About Banks and Lenders&body=https://www.usa.gov/complaints-lender" aria-labelledby="em share-page"> <img src="/web/20211123220236im_/https://www.usa.gov/images/Icon_Connect_Email.png" alt="Email"/> </a> </div> </div>  <div id="cntctbx"> <h2 id="">Do you have a question?</h2> <p> Ask a real person any government-related question for free. 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